Thank you.
I want to switch gears a little bit. We all read the CBC article “Ottawa's secret report on money-laundering points finger at Canada's banks”. We're all familiar with when that came out. There was something in here and I wanted to ask you—or your officials may want to address it—about the change that took place in FINTRAC in 2016-17. I'll read it verbatim from here, so I make sure I get it correct. It says that the agency “abandoned its technical audits of banks and others in favour of broader assessments of 'overall effectiveness in complying with their legal obligations.'" It goes on that you can't compare now apples and apples because we're not comparing apples anymore.
Was that a good change? It's easy to say it was a good change, but has it been an effective change? Has it improved the information that's flowing back to FINTRAC in terms of the regime's overall effectiveness in terms of what FINTRAC does?